and in california and other states, we do have choice for small employers in most states, most already offer their small businesses many options. it's just not widely known. i don't know why. i don't think it'll slow down at all. i think the learning process is so large that giving everyone another year to get into the groove isn't necessarily a bad thing nationwide. >> you both provide insurance for your employees right now, are you worried about what's going to happen? or do you think you'll keep things at status quo? >> well, definitely not status quo. we have to look at the options out there. and we're vetting all of the options that we have to make strong decisions. i mean, it's a big cost of doing business, health care. but i believe thoroughly in providing it. i'm looking for the best talent out there, i have to also be attractive to that talent, you know. things ebb and flow, and i think we have to pull together. i think the more people covered, hopefully will, you know, balance it out down the road. >> right. and what about you, angela?